{"id":6797,"date":"2016-05-10T15:26:39","date_gmt":"2016-05-10T15:26:39","guid":{"rendered":"\/?p=6797"},"modified":"2016-05-10T15:26:39","modified_gmt":"2016-05-10T15:26:39","slug":"what-really-affects-your-fico-score","status":"publish","type":"post","link":"https:\/\/smartfiguide.com\/finance\/credit\/credit-scores\/what-really-affects-your-fico-score\/","title":{"rendered":"What Really Affects Your FICO Score?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Ever wonder how your credit score is calculated? Although many companies are can gather your credit history and produce your credit score, there one major kind of credit score most lenders refer and that\u2019s your FICO score. FICO scores range anywhere between 300 &#8211; which is really poor and 850 &#8211; which is really great. FICO doesn\u2019t state what is considered a good or bad score. It only provides the score.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">FICO scores are created and judged by the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your payment history. This makes up 35% of your score.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The amount you owe. This makes up 30% of your score.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Length of credit history. This is about 15% of your score.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New credit: This makes up about 10% of your score.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mixture of credit types: This is 10% of your credit score.<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ever wonder how your credit score is calculated? Although many companies are can gather your credit history and produce your credit score, there one major kind of credit score most lenders refer and that\u2019s your FICO score. FICO scores range anywhere between 300 &#8211; which is really poor and 850 &#8211; which is really great.&hellip;<\/p>\n","protected":false},"author":1,"featured_media":7103,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"limit_modified_date":"","last_modified_date":"","inline_featured_image":false,"footnotes":""},"categories":[218],"tags":[],"_links":{"self":[{"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/posts\/6797"}],"collection":[{"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/comments?post=6797"}],"version-history":[{"count":0,"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/posts\/6797\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/media\/7103"}],"wp:attachment":[{"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/media?parent=6797"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/categories?post=6797"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/tags?post=6797"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}